Most everything you want to know about managing your finances
It seems everyone is buying a house these days. At first it was just the distant acquaintance on social media. Then it was people in my inner circle, and despite my reservations, I confess I recently started feeling a growing case of FOMO. How can you battle the pressure when you start feeling your own …
If you had to guess, how much would you say the average person spends on lunch during the workweek? Or, better yet, let’s make it personal and think about how much you yourself spent on lunch over the past twelve months. If you were keeping a budget like we discussed, you should have a ballpark …
Though slightly delayed, iPhone season is upon us. Bottom line up front? I wasn’t sold. This is why. Purchasing Philosophy Before I get into the specifics, it’s worth mentioning my iPhone purchasing philosophy. I view a big purchase like this as an investment. I prefer to splurge on a good phone and have the investment …
You are an intelligent person and therefore understand the stock market is not just for the wealthy. Yet, a part of you can’t help but hesitate when the stock market hits the occasional slump. What do you do when so-called experts scream gloom and doom? This might be keeping you from getting into the stock …
How to Remain Steady When the Stock Market Drops Read More »
How much are you paying for your SiriusXM subscription? Cell phone? Web hosting? Cable service? Have you ever considered negotiating your way to a lower rate? I’m guessing not if you’re still reading, but hang with me for a bit. It’s not as nerve-wracking or difficult as it sounds. This is an important component to …
In the previous post we covered the plans that should come before setting a personal budget. You should know why you want a budget. You should know how much money you’re bringing in and be realistic about your spending habits. Now let’s turn our attention to a handful of budget strategies that could fit your …
Choosing the Budget Strategy that Makes Sense for You Read More »
Choosing not to use a budget is like setting off on a trip without a plan. The more adventurous and spontaneous among you may find that exhilarating, but if you don’t set financial goals, your trip is not likely to go far. Now, I get it. Budgets have a reputation for requiring too much effort. …
If there is one card I would recommend go in your wallet, from beginner to seasoned user, it would be the Chase Freedom Unlimited. It has recently undergone some changes, and they are to your benefit. I own the card myself, and if you sign up via the affiliate link, we both get rewarded. A …
Review of the Chase Freedom Unlimited: The One Card that Belongs in Everyone’s Wallet Read More »
The most embarrassing confession I can make about credit cards is that I can’t tell you a whole lot about my first one. I took it out my freshman year in college, likely from a financial institution interested in earning profit off my poor spending habits. I couldn’t have told you the interest rate on …
Have you ever heard someone say the stock market is only for rich people? Mind you, these are probably the same people who wouldn’t bat an eye at buying a fistful of lotto tickets or dropping cash at a casino. Maybe you have similar reservations about the stock market? Actually, let’s put that lotto example …
Debunking the Myth that the Stock Market is Only for the Rich Read More »
How many times has peer pressure motivated your hand to spend money when your heart wasn’t really in it? I’m not even talking about the perpetual race to keep up with the Joneses. You know, your friend got the latest tablet; therefore, you should have one too. Rather, I’m speaking of that other breed of …
Who says you have to pick between renting an apartment or buying a house? Today’s guest post comes from a great friend of mine. Mike Calvo is well-known to the blindness community. He was the investor behind the SeroTalk Podcast Network. He developed an affordable screen reader to compete against ridiculously expensive alternatives, and today …
Review of Invitation Homes: A Better Way to Live the American Dream Read More »
With some exceptions, I’ll reserve my personal and exceedingly controversial rants for other forums. The aim here is to provide advice to help you be as self-sufficient as possible without stirring the pot too heavily, but from time to time I will take a slight detour to tackle points specific to target populations. Today’s financial …
What does good health have to do with financial independence? Lets think about it. It makes no sense to thoroughly plan for retirement if you die before you get there. All the well-intentioned career advice in the world won’t do you any good if you aren’t healthy enough to enjoy that career. Just because you …
The Healthiest Financial Move You Can Make Today Read More »
Growing up I knew a guy who was the epitome of cheap. Everyone knew him to be a penny pincher, so when you encountered him and his girlfriend eating from the same plate at a restaurant, you figured he was just up to his usual habits. I agree there’s nothing wrong with sharing a meal. …
What’s the Difference Between Frugal and Cheapskate? Read More »